Call reports 2025
FROST BANK — 2025
What FROST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 52,059,472,000 | 51,489,892,000 | 52,598,588,000 | 53,127,804,000 |
| Total loans | 20,902,061,000 | 21,254,574,000 | 21,445,786,000 | 21,891,813,000 |
| Allowance for loan losses | 275,488,000 | 277,803,000 | 280,221,000 | 281,495,000 |
| Securities available for sale | 16,821,199,000 | 16,569,326,000 | 16,842,343,000 | 15,928,168,000 |
| Securities held to maturity | 3,511,466,000 | 3,486,600,000 | 3,455,232,000 | 3,431,679,000 |
| Trading assets | 185,141,000 | 189,276,000 | 134,619,000 | 148,630,000 |
| Total deposits | 42,861,521,000 | 42,174,331,000 | 42,943,439,000 | 43,333,423,000 |
| Interest-bearing deposits | 28,141,663,000 | 27,938,161,000 | 28,388,996,000 | 28,773,467,000 |
| Noninterest-bearing deposits | 14,719,858,000 | 14,236,170,000 | 14,554,443,000 | 14,559,956,000 |
| Equity capital | 4,020,248,000 | 4,093,189,000 | 4,405,626,000 | 4,541,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 585,712,000 | 1,188,423,000 | 1,809,238,000 | 2,423,568,000 |
| Interest expense | 165,789,000 | 335,038,000 | 510,422,000 | 672,252,000 |
| Net interest income | 419,923,000 | 853,385,000 | 1,298,816,000 | 1,751,316,000 |
| Noninterest income | 123,809,000 | 240,417,000 | 365,486,000 | 497,784,000 |
| Noninterest expense | 346,410,000 | 690,513,000 | 1,042,064,000 | 1,412,453,000 |
| Provision for loan losses | 15,028,000 | 28,494,000 | 37,501,000 | 44,618,000 |
| Pretax income | 184,238,000 | 377,076,000 | 589,246,000 | 791,595,000 |
| Income tax | 29,768,000 | 61,170,000 | 96,237,000 | 129,438,000 |
| Net income | 154,470,000 | 315,906,000 | 493,009,000 | 662,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,450,865,000 | 4,536,485,000 | 4,633,566,000 | 4,687,844,000 |
| Total capital | 4,776,609,000 | 4,864,207,000 | 4,961,478,000 | 5,021,137,000 |
| Risk-weighted assets | 31,913,499,000 | 32,337,324,000 | 32,298,998,000 | 32,721,779,000 |